At Wealth Expo 2025, Jorge Delgado, Business Developer Manager at CXM, opened his talk with a provocative phrase: “Poverty is not a lack of money, but a lack of financial education.” Based on that premise, he explained why it’s wise for you to move from unproductive saving to building a smart investment portfolio.
Why Do You Need a Smart Portfolio?
First, volatility: news and global flows can move an asset’s price within minutes. Second, the harsh statistics: 95% of retail traders lose money. Delgado himself admitted that one day he turned $100 into $700 and felt like a guru; two hours later, he was at –$1,200. The lesson is clear: without education and risk management, the market charges its toll.
On top of that, there’s the saturation of “gurus” promising overnight wealth. Against this noise, technology gives you the chance to save time without losing control and, above all, to diversify—not putting all your eggs in one basket.
The Solution: Combine Technology, Strategy, and Professional Management
Today, you have three tools that can work together to help you build a balanced portfolio:
1. Copy Trading
You can replicate trades in real time from verified traders. You keep custody of your funds and can stop following a signal provider whenever you wish. It’s ideal if you’re starting with a small capital and want transparency with audited metrics.
2. PAMM Accounts
Here, your funds are pooled in a professionally managed account that distributes profits proportionally. It requires medium to high capital but lets you delegate daily operations while still receiving periodic performance reports. Perfect if you value convenience without giving up overall control of your money.
3. Automated Trading (EAs)
Expert Advisors run algorithmic strategies 24/5 without emotions. They’re useful for capturing intraday or high-frequency opportunities, though you need to supervise them technically and test robustness before trading with real money.
How to Integrate Them into Your Portfolio
A structure suggested by Delgado could be: 50% in copy trading with a verified trader, 30% in a conservative PAMM, and 20% in a low-risk EA. This way, you spread your exposure between human management and algorithmic speed, reduce dependence on a single system, and keep the flexibility to reallocate capital depending on performance.
Your Action Plan
-Define your financial goal and set aside initial capital that won’t compromise your finances.
- Schedule a regulated consultation and evaluate available traders or managers.
-Start with a simple allocation and review results each month.
Investing is not a privilege reserved for a few or for experts. With education, discipline, and the right tools, you can build a smart portfolio that makes your money work for you—and not the other way around.
